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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $147,925 | $100,073+47.8% | $85,126+73.8% | $145,877+1.4% |
| Participation rate | 66.7% | 74.1%-7.4pp | 67.5%-0.9pp | 80.3%-13.6pp |
| Annual return | 8.40% | 84.11%-75.7pp | 66.63%-58.2pp | 551.28%-542.9pp |
| Employer contribution / active EE | $1,957 | $3,236-39.5% | $2,731-28.4% | $4,663-58.0% |
| Participant deferral / active EE | $11,252 | $5,294+112.5% | $4,523+148.8% | $6,691+68.2% |
| Admin fee / account holder | $10,658 | $7,261+46.8% | $6,160+73.0% | $13,402-20.5% |